---
canonical_url: https://lendb.ai/lo/joe-capitano-98826
json_url: https://lendb.ai/lo/joe-capitano-98826.json
nmls_id: 98826
last_verified: 2026-10-09
---

# Joe Capitano

Licensed Mortgage Professional at Homeowners Financial Group, Scottsdale, AZ. NMLS ID 98826 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/98826)).

**Summary:** Joe Capitano (NMLS 98826) is Licensed Mortgage Professional at Homeowners Financial Group, based in Scottsdale, AZ. Lists Arizona on the lender page (not yet checked with the state regulator). States 49 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 49 (source: https://homeownersfg.com/joecapitano/, verified 2026-10-09)
- Licensed in: Arizona (AZ, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties


## About

Real estate and finance professional since 1977 with extensive knowledge and network. Founded Homeowners Financial Group, a Top 50 mortgage lender recognized by Phoenix Business Journal.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 49. Source: https://homeownersfg.com/joecapitano/, verified 2026-10-09.
- role: Founder and developer of Homeowners Financial Group. Source: https://homeownersfg.com/joecapitano/, verified 2026-10-09.
- credential: Certified Mortgage Advisor. Source: https://homeownersfg.com/joecapitano/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Homeowners Financial Group (NMLS 93718), Scottsdale, AZ. Source: https://homeownersfg.com/joecapitano/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/98826

## Contact

- linkedin_url: https://www.linkedin.com/in/joe-capitano-0664897/ (source: lender_site, verified 2026-10-09)
- View profile at Homeowners Financial Group: https://homeownersfg.com/joecapitano/
- Office phone and Email on file: shown at https://lendb.ai/lo/joe-capitano-98826#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/98826
- lender_site: https://homeownersfg.com/joecapitano/

Cite as: Joe Capitano (NMLS 98826), Homeowners Financial Group. LenDb.ai, https://lendb.ai/lo/joe-capitano-98826, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._